Mortgages made simple for all your mortgage and protection needs from an independent broker offering advice from the whole of the market.

Who We Are

We are committed to helping you from our first point of contact through to completion of a product as well as offering our after care service ensuring you can continue on the right track for life. The company’s continued success is down to the exceptional customer service provided by our team that sets us apart from our competitors. We will be your first call if you are looking for financial help.

Our expert team can assist you in finding the perfect mortgage by researching the whole of market to find you the perfect solution.

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We can contact you at your convenience including evenings and weekends

Get in touch with Helping Hand Mortgages
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We will chat about about your situation and what you are looking to achieve

Discuss a mortgage with Helping Hand Mortgages

we recommend getting a credit report so we can see what lenders will see

Credit report for mortgage

We will do all the research for the whole market to find a solution for you

Search for a mortgage
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We will submit an application for you overseeing the process from start to finish

Applicationn for mortgage
Helping Hand Mortgages Specialist

Pay Day Loans

Yes, you can still get a mortgage if you have had Pay Day Loans in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

 High Street Lenders do not mortgage like to see pay day loans on a credit file or bank statement as indicates to them of financial difficulties in the past or currently as short term finance to manage current repayments.

It will depend on certain criteria based on the Pay Day Loans showing as registered such as:

When the loan taken out
How much was borrowed
How many loans taken out
How quickly they were paid off
The story behind why you needed to take the loans
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*Please note when you click through to checkmyfile, we may earn a small commission at no extra cost to you. We only recommend sites we truly trust.

Low or No Credit Score

Yes, you can still get a mortgage if you have a low credit score or no credit score. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

High Street lenders are dealing with a high volume of cases each day so will credit score each application and if you do not meet that credit score then will decline the application on that basis alone. It is a computer says no situation with no appeal.

We will check with lenders who manually check your credit file so not dealing with a computer to find the best solution for you.

Repossession

Yes, you can still get a mortgage if you have been Repossessed in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

It will depend on certain criteria based on the Repossession such as:

The date you were repossessed
The reason why you were repossessed
Any other credit issues
You credit history since being repossessed

Late payments can be common and payments can be missed in certain circumstances and we understand this and can still help find a solution for you.

Late payments are not as bad as a missed payment as you still made that payment. Normally as long as you made the payment before the next monthly payment due then would not show as a missed payment or arrear on your credit file.

We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.

Late & Missed Payments

Yes, you can still get a mortgage if you have had late and/or missed payments on credit. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

Late payments can be common and payments can be missed in certain circumstances and we understand this and can still help find a solution for you.

Late payments are not as bad as a missed payment as you still made that payment. Normally as long as you made the payment before the next monthly payment due then would not show as a missed payment or arrear on your credit file.

We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.

IVA

Yes, you can still get a mortgage if you have been in an IVA in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

We would need to understand the reasons that led to the IVA, how long ago it was and the impact that had on your credit file.

Debt Management Plans

Yes you can still get a mortgage if you have a Debt Management Plan or been in one in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

With a Debt Management Plan you would be in an arrangement via a company like StepChange and be paying a lower amount to the people you owe over a longer period of time. This can affect your credit file as the people you owe money to will normally report it as an arrangement on your credit file, in some circumstances it may be reported as a Default.

Even if you are withing a Debt Management Plan there are specialist lenders who will still lend to you based on the payment history of the plan.

Bankruptcy

Yes you can still get a mortgage if you have been bankrupt in the past. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

 

We would need to understand the reasons that led the Bankruptcy, how long ago it was and the impact that had on your credit file.

Defaults

You can still get a mortgage with a Default. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

Some of these lenders will ignore small Default’s if registered by a mobile phone company or other communication companies.

It will depend on certain criteria based on the Default’s showing as registered such as:

When they were registered
If satisfied or unsatisfied
The value of the Defaults
The number of Defaults
The story behind the circumstances

CCJ's

You can still get a mortgage with a CCJ. It may be more difficult and limit the amount of lenders and products available but there are Specialist Mortgage Lenders that deal with brokers like us to help.

It will depend on certain criteria based on the CCJ’s showing as registered such as:

When they were registered

If satisfied or unsatisfied

The value of the CCJ’s

The number of CCJ’s

The story behind the circumstances